A 10 year old car may not get any financing anymore as banks are not keen for cars that are 10 years or older. Some credit companies may still wanna do the loan but the interest rate is higher. Anyway, do check with the banks directly for confirmation as they may make exception for some car models.

Average interest rate as 3.8% or so before MCO, not sure of the latest rate though.

Go personal loan. 30k * 5 years is easy and good deal easy paperworks as well.